Credit Portfolio Analyst II - C10

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Job Responsibilities: 

• Conduct risk assessments and client credit analyses with supervision.
• Escalate credit concerns and updates to senior risk and business managers.
• Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.
• Assist with portfolio review preparation and the conduct of stress tests.
• Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders.
• Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Build working relationships with various teams across the bank, including deal, coverage, and product teams.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.
• Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 1-2 years of experience in credit risk analysis or consumer banking

• Programming skills in SAS, SQL, Python, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments
• Highly proficient in Excel/pivot tables and PowerPoint
• A good understanding of credit life cycle
• Familiarity with data interpretation and ability to challenge decisions based on data analysis.
• Clear and concise written and verbal communication.
• Adds value and contributes to the success of the team.
• Ability to work with little direction and in a team.
• Problem-solving skills to identify, analyze, and challenge basic problems.
• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

Education:

Bachelor's degree/University degree or equivalent experience

Support unsecured credit strategic initiatives and analytics team in simplification and standardization of Risk Appetite Framework, Pricing Initiatives and Reporting to drive business forward. Perform cross portfolio analytics to support leadership and 2nd line.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.